Fintech app development

We build digital wallets, lending platforms and payment products with secure onboarding, real-time risk checks and the audit trails regulators expect.

01Challenge

Slow onboarding.

Manual identity checks lose customers before their first transaction. Fraud patterns change faster than static rules.

02Build

We build the platform.

We build digital wallets and payment apps, lending, BNPL and microfinance platforms and digital KYC and AML onboarding.

03AI

Document AI for KYC.

Reads identity documents and bank statements, verifies fields and routes exceptions to reviewers.

04Launch

Secure, compliant and live.

PCI DSS practices for card data. Encryption, tokenization and key management.

Onboarding time24 hoursOnboarding time180 minFraud rulesif amount > 50,000if new deviceif 3 tries in 1 minFraud score78 / 100KYC formPending reviewWalletBalancePKR 0•••• 4821SendBillsSaveSalary+85,000Electricity-6,240Grocery-3,900National IDName matchedID number validExpiry 2031Address to reviewer!PCI DSS practicesTokenized cardsAudit trail on every action
How we build for fintech

Fintech app development company

We are a fintech app development company building digital wallets, lending and BNPL platforms, payment integrations and KYC automation for startups, banks and microfinance institutions. We design for security, auditability and speed from the first sprint.

AI helps fintech teams onboard customers faster and catch fraud earlier. Document AI reads identity documents and statements, machine learning models score transactions in real time and conversational assistants answer customer questions inside the app.

TransactionsToday
Raast transferPKR 25,000Cleared
Card paymentPKR 8,400Cleared
New device loginPKR 480,000Held
Risk score
0.91

The challenges we solve

01

Slow onboarding

Manual identity checks lose customers before their first transaction.

02

Fraud pressure

Fraud patterns change faster than static rules.

03

Regulatory reporting

Every transaction needs a clear, auditable record.

04

Legacy integrations

Core banking and payment systems are hard to connect.

What we build

  • Digital wallets and payment apps
  • Lending, BNPL and microfinance platforms
  • Digital KYC and AML onboarding
  • Payment integrations, including Raast, mobile wallets and card gateways
  • Reconciliation, reporting and investor dashboards

AI in action

Document AI for KYC

Reads identity documents and bank statements, verifies fields and routes exceptions to reviewers.

Real-time fraud scoring

Machine learning models score transactions and hold unusual activity for review.

Conversational banking assistant

Answers balance, card and transfer questions securely inside the app.

Security and compliance

  • PCI DSS practices for card data
  • Encryption, tokenization and key management
  • Complete audit trails for every money movement
  • Regulatory requirements mapped during discovery

Services for fintech

The teams and capabilities we bring to fintech projects.

Common questions

Straight answers. If yours is not here, ask us directly.

Ask a question
Do you integrate with Raast and mobile wallets?

Yes. We integrate Raast, mobile wallets, card gateways and banking APIs, with testing in sandbox environments before go-live.

How do you secure financial apps?

We use encryption, tokenization, role-based access, audit trails and regular security testing, following PCI DSS practices for card data.

Can you automate KYC?

Yes. Document AI extracts and verifies identity data, and only exceptions are routed to your compliance reviewers.

Let's talk about your fintech project.

A free 30-minute discovery call, an honest read on scope and cost, and a clear next step.